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\caption*{Table 1A: Summary Statistics and Balance-Philippines}
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\\[-1.8ex]\hline \hline \\[-1.8ex]
 & \multicolumn{2}{c}{(1)}  & \multicolumn{2}{c}{(2)}  & \multicolumn{2}{c}{(3)}  & \multicolumn{2}{c}{(2)-(3)} \\
 & \multicolumn{2}{c}{Total Sample}  & \multicolumn{2}{c}{Control}  & \multicolumn{2}{c}{Treatment}  & \multicolumn{2}{c}{Pairwise t-test}  \\
Variable & N & Mean/(SD) & N & Mean/(SD) & N & Mean/(SD) & N & P-value \\ \hline \\ [1ex]
\textbf{\emph{A. Client Characteristics}} & & & & & & & & \\
 
Age   & 2096    & 44.688    & 1030    & 44.734    & 1066    & 44.644    & 2096    & 0.852   \\
 &   & (11.075)  &   & (11.184)  &   & (10.973)  &   &  \\ [1ex]
Female   & 2096    & 0.998    & 1030    & 0.999    & 1066    & 0.996    & 2096    & 0.192   \\


 &   & (0.049)  &   & (0.031)  &   & (0.061)  &   &  \\ [1ex]
 \textbf{Education} & & & & & & & & \\ [1ex]
High School or Above   & 2096    & 0.722    & 1030    & 0.731    & 1066    & 0.714    & 2096    & 0.380   \\
 &   & (0.448)  &   & (0.444)  &   & (0.452)  &   &  \\ [1ex]
  \textbf{Business Type} & & & & & & & & \\
Business is Primary Source of Income   & 2096    & 0.528    & 1030    & 0.520    & 1066    & 0.535    & 2096    & 0.512   \\
 &   & (0.499)  &   & (0.500)  &   & (0.499)  &   &  \\ [1ex]
Retail: Food   & 2096    & 0.524    & 1030    & 0.533    & 1066    & 0.516    & 2096    & 0.434   \\
 &   & (0.500)  &   & (0.499)  &   & (0.500)  &   &  \\ [1ex]
 \hline \\
 \textbf{\emph{B. Business Practices}} & & & & & & & & \\ [1ex]
Do Separate Business \& Household Cash   & 2096    & 0.683    & 1030    & 0.676    & 1066    & 0.689    & 2096    & 0.499   \\
 &   & (0.466)  &   & (0.468)  &   & (0.463)  &   &  \\ [1ex]
Do Pay Salary to Self   & 2096    & 0.152    & 1030    & 0.141    & 1066    & 0.162    & 2096    & 0.170   \\
 &   & (0.359)  &   & (0.348)  &   & (0.369)  &   &  \\ [1ex]
Do Calculate Profits   & 2096    & 0.773    & 1030    & 0.763    & 1066    & 0.782    & 2096    & 0.293   \\
 &   & (0.419)  &   & (0.425)  &   & (0.413)  &   &  \\ [1ex]
Give customers credit for at most 7 days   & 1793    & 0.779    & 876    & 0.759    & 917    & 0.797    & 1793    & 0.053*   \\
 &   & (0.415)  &   & (0.428)  &   & (0.402)  &   &  \\ [1ex]
Do nothing when customers do not pay credit   & 2096    & 0.102    & 1030    & 0.100    & 1066    & 0.104    & 2096    & 0.755   \\
 &   & (0.303)  &   & (0.300)  &   & (0.306)  &   &  \\ [1ex]
Keep Business Records   & 2096    & 0.771    & 1030    & 0.773    & 1066    & 0.770    & 2096    & 0.885   \\
 &   & (0.420)  &   & (0.419)  &   & (0.421)  &   &  \\ [1ex]
Keep Customer Credit Records   & 1802    & 0.701    & 881    & 0.720    & 921    & 0.684    & 1802    & 0.099*   \\
 &   & (0.458)  &   & (0.449)  &   & (0.465)  &   &  \\ [1ex]
Record Important Customer Credit Information   & 1802    & 0.680    & 881    & 0.699    & 921    & 0.662    & 1802    & 0.093*   \\
 &   & (0.466)  &   & (0.459)  &   & (0.473)  &   &  \\ [1ex]
Determine stock based on a good strategy   & 2096    & 0.239    & 1030    & 0.232    & 1066    & 0.246    & 2096    & 0.461   \\
 &   & (0.427)  &   & (0.422)  &   & (0.431)  &   &  \\ [1ex]
Never Visit competitors to check prices/quality   & 2096    & 0.758    & 1030    & 0.775    & 1066    & 0.742    & 2096    & 0.080*   \\
 &   & (0.428)  &   & (0.418)  &   & (0.438)  &   &  \\ [1ex]
Never Talk to customers to understand needs   & 2096    & 0.532    & 1030    & 0.541    & 1066    & 0.523    & 2096    & 0.427   \\
 &   & (0.499)  &   & (0.499)  &   & (0.500)  &   &  \\ [1ex]
Never do supplier quality comparison   & 2096    & 0.388    & 1030    & 0.396    & 1066    & 0.380    & 2096    & 0.447   \\
 &   & (0.487)  &   & (0.489)  &   & (0.486)  &   &  \\ [1ex]
Never Negotiated terms with suppliers   & 2096    & 0.504    & 1030    & 0.514    & 1066    & 0.495    & 2096    & 0.403   \\
 &   & (0.500)  &   & (0.500)  &   & (0.500)  &   &  \\ [1ex]
Took full advantage of cash discount   & 592    & 0.762    & 288    & 0.757    & 304    & 0.766    & 592    & 0.787   \\
 &   & (0.426)  &   & (0.430)  &   & (0.424)  &   &  \\ [1ex]
 \hline \\
 \textbf{\emph{C. Business Performance}} & & & & & & & & \\ [1ex]
 
Sales-Regular Week (Winsorized at 1\%)   & 1930    & 6093.881    & 944    & 6287.659    & 986    & 5908.357    & 1930    & 0.293   \\
 &   & (7917.268)  &   & (8647.279)  &   & (7148.402)  &   &  \\ [1ex]
Profits-Regular Week (Winsorized at 1\%)   & 1961    & 2343.967    & 961    & 2297.904    & 1000    & 2388.233    & 1961    & 0.459   \\
 &   & (2702.364)  &   & (2612.478)  &   & (2786.603)  &   &  \\ [1ex]
\hline \hline \\[-1.8ex]
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\multicolumn{9}{@{} p{22cm}}{\emph{Source:} Primary data collected by research team} \\
\multicolumn{9}{@{} p{22cm}}{\emph{Notes:} This table presents summary statistics based on baseline survey data. Standard deviations (column 2, 3, 4) of variables and p-values (column 5) appear in parentheses. * Denotes significance at 10\%-level, ** at the 5\%-level, and *** at the 1\%-level}

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